:root{--navy:#0b2545;--navy2:#13315c;--accent:#f4a259;--accent-d:#e08a3c;--blue:#1d6fd8;--ink:#1b2430;--muted:#5b6777;--line:#dde3ea;--bg:#f5f7fa;--ok:#1f9d55;--warn:#b7791f;--err:#c53030;--r:12px}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:#fff;line-height:1.55;font-size:16px;padding-bottom:72px}
@media(min-width:900px){body{padding-bottom:0}}
a{color:var(--blue)}
h1,h2,h3{line-height:1.2;margin:0 0 .5em}
.wrap{max-width:1160px;margin:0 auto;padding:0 20px}
.narrow{max-width:780px}
.center{text-align:center}
.skip{position:absolute;left:-9999px}.skip:focus{left:10px;top:10px;background:#fff;padding:8px;z-index:100}
.topbar{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
.topbar-inner{display:flex;align-items:center;justify-content:space-between;height:62px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--navy);font-weight:800;font-size:1.1rem}
.brand-mark{background:var(--navy);color:#fff;border-radius:8px;padding:6px 8px;font-size:.8rem;letter-spacing:.05em}
.call-btn{display:flex;align-items:center;gap:6px;background:var(--navy);color:#fff;text-decoration:none;padding:9px 14px;border-radius:999px;font-weight:700;font-size:.95rem}
@media(max-width:480px){.call-btn span{display:none}.brand-name{font-size:1rem}}
.hero{background:linear-gradient(160deg,var(--navy) 0%,var(--navy2) 70%,#1c4a85 100%);color:#fff;padding:28px 0 40px}
.hero-grid{display:grid;gap:28px}
@media(min-width:900px){.hero{padding:48px 0 64px}.hero-grid{grid-template-columns:1.05fr .95fr;align-items:start}}
.eyebrow{color:var(--accent);font-weight:700;text-transform:uppercase;letter-spacing:.08em;font-size:.85rem;margin:0 0 8px}
.hero h1{font-size:clamp(1.7rem,4.5vw,2.7rem)}
.sub{font-size:1.08rem;color:#d7e2f0;margin:0 0 16px}
.checks{list-style:none;padding:0;margin:0 0 20px}
.checks li{padding-left:30px;position:relative;margin:0 0 10px;color:#e8eef6}
.checks li::before{content:"✓";position:absolute;left:0;top:0;width:22px;height:22px;border-radius:50%;background:var(--accent);color:var(--navy);font-weight:900;display:grid;place-items:center;font-size:.8rem}
.checks strong{color:#fff}
.micro{font-size:.85rem;color:#b9c7da;margin:8px 0 0}
@media(max-width:899px){.hero-copy .checks,.hero-copy .micro{display:none}.hero-copy .sub{font-size:1rem}.hero-cta{display:none}}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:6px;border:2px solid transparent;border-radius:10px;padding:12px 18px;font-weight:700;font-size:1rem;cursor:pointer;text-decoration:none;font-family:inherit;transition:background .15s,transform .05s}
.btn:active{transform:translateY(1px)}
.btn-lg{padding:15px 24px;font-size:1.08rem}
.btn-primary{background:var(--accent);color:var(--navy)}.btn-primary:hover{background:var(--accent-d)}
.btn-accent{background:var(--accent);color:var(--navy)}
.btn-ghost{background:#fff;color:var(--navy);border-color:var(--line)}
.btn-outline{background:#fff;color:var(--navy);border-color:var(--navy)}
.btn-outline-light{background:transparent;color:#fff;border-color:#fff}
.btn:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible,summary:focus-visible{outline:3px solid var(--blue);outline-offset:2px}
/* Form */
.form-card{background:#fff;color:var(--ink);border-radius:16px;box-shadow:0 20px 50px rgba(0,0,0,.28);padding:22px;scroll-margin-top:76px}
.form-head h2{font-size:1.4rem;color:var(--navy);margin-bottom:2px}
.form-head p{margin:0 0 10px;color:var(--muted)}
.progress{height:8px;background:#e8edf3;border-radius:99px;overflow:hidden}
.progress-bar{display:block;height:100%;width:20%;background:linear-gradient(90deg,var(--accent),var(--accent-d));transition:width .3s}
.step-count{font-size:.8rem;color:var(--muted);margin:6px 0 10px!important}
fieldset{border:0;margin:0;padding:0;min-width:0}
.step{display:none}.step.active{display:block;animation:fade .25s}
@keyframes fade{from{opacity:0;transform:translateY(4px)}to{opacity:1}}
legend{font-weight:800;font-size:1.12rem;color:var(--navy);margin-bottom:12px;padding:0}
.q{font-weight:700;margin:14px 0 8px}
.choice-grid{display:grid;grid-template-columns:1fr 1fr;gap:8px}
@media(min-width:520px){.choice-grid{grid-template-columns:1fr 1fr 1fr}}
.choice-row{display:flex;flex-wrap:wrap;gap:8px}
.choice{position:relative;cursor:pointer}
.choice input{position:absolute;opacity:0;inset:0;margin:0;cursor:pointer}
.choice span{display:block;border:2px solid var(--line);border-radius:10px;padding:12px 10px;font-weight:600;font-size:.95rem;background:#fff;height:100%;transition:border-color .15s,background .15s}
.choice.sm span{padding:10px 14px}
.choice:hover span{border-color:#a9b7c8}
.choice input:checked+span{border-color:var(--navy);background:#eef3fa;box-shadow:inset 0 0 0 1px var(--navy)}
.choice input:focus-visible+span{outline:3px solid var(--blue);outline-offset:2px}
.field{display:block;font-weight:700;font-size:.95rem;margin:10px 0 2px}
.field input,.field select,.field textarea{display:block;width:100%;margin-top:5px;padding:12px;border:2px solid var(--line);border-radius:10px;font:inherit;font-weight:400;font-size:16px;background:#fff;color:var(--ink)}
.field textarea{resize:vertical}
.field .invalid,.invalid{border-color:var(--err)!important}
.opt{font-weight:400;color:var(--muted)}
.two{display:grid;grid-template-columns:1fr 1fr;gap:10px}.two .field{margin-top:0}
.err{color:var(--err);font-size:.85rem;margin:3px 0 0;min-height:0}
.err:empty{display:none}
.note{background:#fff8eb;border:1px solid #f2d39a;color:#7a4d0b;padding:10px 12px;border-radius:10px;font-size:.88rem;margin:10px 0}
.consent{display:flex;gap:10px;align-items:flex-start;font-size:.76rem;color:var(--muted);margin:14px 0 4px;line-height:1.45}
.consent input{width:20px;height:20px;flex:0 0 20px;margin-top:2px}
.hp{position:absolute;left:-9999px;height:0;width:0;opacity:0}
.form-nav{display:flex;gap:10px;margin-top:18px}
.form-nav .btn-primary{flex:1}
.secure{text-align:center;font-size:.82rem;color:var(--muted);margin:10px 0 0}
.result{text-align:center;padding:10px 4px}
.result:focus{outline:none}
.result-icon{width:56px;height:56px;border-radius:50%;background:var(--ok);color:#fff;font-size:1.8rem;display:grid;place-items:center;margin:0 auto 10px}
.result.review .result-icon{background:var(--navy2)}
.result h2{color:var(--navy)}
.next-steps{text-align:left;font-size:.92rem;color:var(--muted);padding-left:20px;margin:14px 0 18px}
/* Sections */
.section{padding:56px 0}
.section.alt{background:var(--bg)}
.section-title{font-size:clamp(1.5rem,3.5vw,2.1rem);color:var(--navy);text-align:center}
.section-sub{text-align:center;color:var(--muted);max-width:680px;margin:0 auto 28px}
.steps3{list-style:none;padding:0;margin:28px 0 0;display:grid;gap:18px}
@media(min-width:760px){.steps3{grid-template-columns:repeat(3,1fr)}}
.steps3 li{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:22px}
.num{display:grid;place-items:center;width:40px;height:40px;border-radius:50%;background:var(--navy);color:#fff;font-weight:800;margin-bottom:12px}
.steps3 h3,.card h3{color:var(--navy);font-size:1.15rem}
.steps3 p,.card p{color:var(--muted);margin:0}
.cards{display:grid;gap:16px}
@media(min-width:700px){.cards{grid-template-columns:1fr 1fr}}
@media(min-width:1000px){.cards{grid-template-columns:repeat(4,1fr)}}
.card{background:#fff;border-radius:var(--r);padding:22px;border-top:4px solid var(--accent);box-shadow:0 2px 10px rgba(11,37,69,.06)}
.case-list{list-style:none;padding:0;margin:26px 0 28px;display:grid;grid-template-columns:1fr 1fr;gap:10px}
@media(min-width:760px){.case-list{grid-template-columns:repeat(5,1fr)}}
.case-list li{background:var(--bg);border:1px solid var(--line);border-radius:10px;padding:14px;font-weight:600;color:var(--navy);text-align:center;font-size:.95rem}
details{background:#fff;border:1px solid var(--line);border-radius:10px;margin:0 0 10px;padding:0 18px}
summary{cursor:pointer;font-weight:700;color:var(--navy);padding:16px 0;list-style:none;position:relative;padding-right:26px}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";position:absolute;right:0;top:12px;font-size:1.4rem;color:var(--accent-d)}
details[open] summary::after{content:"–"}
details p{margin:0 0 16px;color:var(--muted)}
.final-cta{background:var(--navy);color:#fff;padding:56px 0}
.final-cta h2{font-size:clamp(1.5rem,3.5vw,2.1rem)}
.final-cta p{color:#d7e2f0;max-width:640px;margin:0 auto 22px}
.cta-row{display:flex;flex-wrap:wrap;gap:12px;justify-content:center}
.footer{background:#071a33;color:#aab8cc;padding:32px 0;font-size:.82rem}
.footer a{color:#d7e2f0}
.disclaimer{line-height:1.6}
.sticky-cta{position:fixed;bottom:0;left:0;right:0;display:flex;gap:8px;padding:10px 12px;background:#fff;border-top:1px solid var(--line);box-shadow:0 -4px 16px rgba(0,0,0,.08);z-index:60;transition:transform .2s}
.sticky-cta .btn{padding:12px}
.sticky-cta .btn-primary{flex:1}
.sticky-cta.hide{transform:translateY(110%)}
@media(min-width:900px){.sticky-cta{display:none}}
@media(prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important;scroll-behavior:auto!important}}
.hero h1{color:#fff}
.h1-sub{display:block;font-size:.58em;font-weight:600;color:#d7e2f0;margin-top:.35em}
.brand-name{white-space:nowrap}
@media(max-width:400px){.brand-name{font-size:.92rem}.brand-mark{display:none}}
[hidden]{display:none!important}
@media(max-width:899px){.hero-copy .hero-cta{display:none}.hero{padding-top:20px}}
.hero-grid>*{min-width:0}
.two>*,.choice-grid>*{min-width:0}
/* ---- Deploy additions: header CTA, guides, content pages ---- */
.call-btn{background:var(--accent);color:var(--navy)}
@media(max-width:480px){.call-btn{font-size:.82rem;padding:8px 11px}}
.case-list a{color:inherit;text-decoration:underline;text-decoration-color:var(--accent);text-underline-offset:3px}
.guide-grid{display:grid;gap:14px;margin-top:24px}
@media(min-width:700px){.guide-grid{grid-template-columns:repeat(2,1fr)}}
@media(min-width:1000px){.guide-grid{grid-template-columns:repeat(4,1fr)}}
.guide-card{display:block;background:#fff;border:1px solid var(--line);border-left:4px solid var(--accent);border-radius:var(--r);padding:18px;text-decoration:none;color:var(--navy);box-shadow:0 2px 10px rgba(11,37,69,.06)}
.guide-card h3{font-size:1.05rem;margin-bottom:6px}.guide-card span{color:var(--blue);font-weight:600;font-size:.92rem}
.guide-card:hover{border-color:var(--accent-d)}
.foot-nav{margin:0 0 12px;line-height:1.9}
.page-hero{background:linear-gradient(160deg,var(--navy) 0%,var(--navy2) 70%,#1c4a85 100%);color:#fff;padding:32px 0 40px}
.page-hero h1{color:#fff;font-size:clamp(1.7rem,4.5vw,2.5rem)}
.page-hero .micro{display:block}
.crumbs{font-size:.85rem;color:#b9c7da;margin-bottom:12px}.crumbs a{color:#d7e2f0}
.prose{font-size:1.04rem}
.prose h2{color:var(--navy);font-size:clamp(1.3rem,3vw,1.65rem);margin-top:1.6em}
.prose li{margin-bottom:.5em}
.prose p,.prose ul,.prose ol{max-width:72ch}
.notice{background:#f1f5fa;border-left:4px solid var(--navy2);padding:12px 14px;border-radius:8px;font-size:.9rem;color:var(--muted)}
.updated{color:var(--muted);font-size:.9rem}
.cta-box{background:var(--bg);border:1px solid var(--line);border-top:4px solid var(--accent);border-radius:var(--r);padding:22px;margin:32px 0;text-align:center}
.cta-box h2{margin-top:0!important}
.cta-box p{margin:0 auto 16px;color:var(--muted)}
.related{padding-left:20px;line-height:1.9}
.call-btn{white-space:nowrap}
@media(max-width:480px){.call-btn span.hide-sm{display:none}}
/* SEO pages additions 2026-10-23 */
.topbar-inner{gap:12px}
.top-nav{margin-left:auto}
.top-nav a{color:var(--navy);font-weight:600;text-decoration:none;font-size:.95rem;padding:8px 6px}
.top-nav a:hover{text-decoration:underline}
@media(max-width:420px){.top-nav a{font-size:.82rem;padding:6px 2px}}
.table-wrap{overflow-x:auto;margin:1em 0}
.table-wrap table{border-collapse:collapse;width:100%;max-width:72ch;font-size:.95rem}
.table-wrap th,.table-wrap td{border:1px solid var(--line);padding:10px 12px;text-align:left;vertical-align:top}
.table-wrap th{background:var(--bg);color:var(--navy)}
.hub-group{margin-top:28px}
@media(max-width:480px){.top-nav span.hide-sm{display:none}}
.guide-card .card-desc{color:var(--muted);font-size:.9rem;margin:0 0 8px;font-weight:400}
.hub-more{text-align:center;margin-top:20px;font-weight:600}
@media(max-width:560px){.top-nav{display:none}}
/* Phone / click-to-call additions 2026-10-23 */
.ph-ico{flex:none;vertical-align:-3px}
.phone-link{display:inline-flex;align-items:center;gap:6px;color:var(--navy);font-weight:800;text-decoration:none;white-space:nowrap;font-size:.98rem;padding:8px 12px;border:2px solid var(--navy);border-radius:999px}
.phone-link:hover{background:var(--bg)}
.phone-link .ph-short{display:none}
@media(max-width:760px){.phone-link .ph-num{display:none}.phone-link .ph-short{display:inline}.phone-link{padding:7px 11px;font-size:.88rem}}
@media(max-width:360px){.phone-link .ph-short{display:none}.phone-link{padding:8px}}
.form-call{text-align:center;margin:8px 0 0;font-size:.95rem;color:var(--muted)}
.form-call a{display:inline-flex;align-items:center;gap:5px;color:var(--navy);text-decoration:none}
.form-call a strong{text-decoration:underline;text-decoration-color:var(--accent);text-underline-offset:3px}
.cta-box .cta-row{display:flex;flex-wrap:wrap;gap:10px;justify-content:center}
.sticky-cta .sticky-call{flex:0 0 auto;padding:12px 16px}
.foot-phone{font-weight:700;white-space:nowrap}
@media(max-width:480px){.topbar-inner{gap:8px;padding:0 12px}.brand-name{font-size:.9rem}.phone-link .ph-short{display:none}.phone-link{padding:0;width:36px;height:36px;justify-content:center;flex:none}.call-btn{font-size:.8rem;padding:8px 10px}}
@media(max-width:340px){.brand-name{font-size:.8rem}}
@media(max-width:760px){.call-btn span.hide-sm{display:none}}
@media(max-width:700px){.top-nav{display:none}}
@media(max-width:380px){.brand-name{font-size:.8rem}.topbar-inner{gap:6px;padding:0 10px}.call-btn{font-size:.76rem;padding:8px 9px}}
.top-nav a{white-space:nowrap}
@media(max-width:700px){.phone-link{margin-left:auto}}
@media(max-width:340px){.brand-name{font-size:.72rem}.topbar-inner{padding:0 8px}.call-btn{font-size:.72rem;padding:7px 8px}.phone-link{width:32px;height:32px}}
@media(max-width:860px){.phone-link .ph-num{display:none}.phone-link .ph-short{display:inline}.phone-link{padding:7px 11px;font-size:.88rem}}
@media(max-width:480px){.phone-link .ph-short{display:none}.phone-link{padding:0}}
/* Language switch (EN/ES) */
.lang-link{display:inline-flex;align-items:center;color:var(--navy);font-weight:700;text-decoration:none;font-size:.9rem;padding:6px 10px;border:1px solid var(--line);border-radius:999px;white-space:nowrap;flex:none}
.lang-link:hover{background:var(--bg);text-decoration:underline}
.lang-link .lang-short{display:none}
@media(max-width:700px){.lang-link{margin-left:auto}.phone-link{margin-left:0}}
@media(max-width:860px){.lang-link .lang-full{display:none}.lang-link .lang-short{display:inline}}
@media(max-width:480px){.lang-link{padding:0;width:36px;height:36px;justify-content:center;font-size:.8rem}}
@media(max-width:340px){.lang-link{width:32px;height:32px}}
.lang-note{font-size:.9em;color:var(--muted,#5b6577)}
/* Header fit with the language switch (and longer Spanish labels) */
@media(max-width:1000px){.call-btn span.hide-sm,.top-nav span.hide-sm{display:none}}
@media(max-width:560px){.brand{min-width:0;flex:1 1 auto}.brand-name{white-space:normal;line-height:1.1}}
@media(max-width:480px){.brand-mark{display:none}.call-btn{padding:8px 9px}}

/* Hablamos español */
.phone-link .ph-lang{display:none;font-weight:600;font-size:.85em}
@media(min-width:1100px){.phone-link .ph-lang{display:inline}}
.hero-lang{margin:10px 0 0;font-weight:700;color:var(--navy)}
.hero-lang a,.cta-lang a{color:inherit}
.cta-lang{margin:12px 0 0;font-weight:700}
.form-lang{font-size:.88rem;margin-top:4px}